Hi loui, 2 case
1) If the owner does not have valid insurance/driving license assuming financially capable due to driving say bmw/merc etc, can bring to court? Court would honor the winning result however the other party is required to pay cash within x days? if failed to pay then what happens?

2) If the actual car owner has valid insurance + roadtax but the driver driving the same car assumed name in policy covered, but having expired driving license, in that case the particular driver gets fined RM300 & insurance side will allow to claim on the car owner or how? will need to pay RM400 for excess claims before proceeding with claiming assumed OD?

Can claim under third party uninsured losses

all insurance company is using a similar system

hence we can see your claim record

but not all company practice the habit of checking it while allowing you to renew the insurance

you can try your luck to shop around different insurance companies

Like the next guy mention

Do able but a bit tricky

Easiest way to do is to lodge a police report now and stated you have dash cam record in car

Make sure you tell them the dash cam is install by you

Subsequently submit documents to your insurer

Tell them the whole story and ask them to guide you to claim under OF no fault liability claim

Different insurance has different way to deal with it

Just did mine with the commissioner recently.

What you need are:
1. IC
2. Police report
3. Police decision
4. Car damage picture FROM the police with the report number
5. Your insurance policy.
6. The other party's insurance details (can get from JPJ, but you need to have the police decision first to request, normally if you are victim and police has ruled in your favour, JPJ will give)
7. A front page letter stating all the above are true and that you want to claim third party. You may need to summarise your case also.

You can also use https://www.mycarinfo.com.my/ to check which insurance the other party is using. Don't think can use for the above though.

My friend got into a rare situation, below is how it went. Appreciate any advice/feedback anyone can provide:

- One month ago, my friend (ABC) got a courtesy car from dealership while waiting for his car to be fixed under warranty
- while driving the courtesy car, it was knocked and scratched by some other car while turning into a road
- it didnt sound like a big noise/knock, so ABC continued driving thinking it's just a minor scratch
- upon reaching home, only realized the incident dented the front door joint quite badly, and the door is stuck/can't be fully opened now
- incident also resulted in new scratches on the back door (same side of course)
- ABC did inform dealership about this, and they just said nevermind, can claim insurance. without much other details
- now the original car has been fixed and ready for collection, and upon returning the courtesy car, the dealership said will need to claim from their insurance and asked ABC to pay 2k for excess! to fix the dent, scratches etc
- upon more nego, they agreed to reduce the 2k but ABC must provide police report for them to claim insurance
- the courtesy car is well used and already got scratches on the same side doors on initial collection

Questions:
- is the dealership ethical in demanding the 2k excess payment? they can do unscrupulous things, like making a larger claim to end up customer has to fork out extra money and as result, they will end up with not only repaired doors with new paint, plus more profits from the 2k??
- how exactly does this 'excess' work? how they got the 2k figure?
- can ABC file a claim against his own insurance (eg, TPPD) to pay for the repair? instead of having the dealership claim from their own insurance
- ABC offered to fix the damages at his own cost and workshop (without police report & insurance claim), but dealership refused and said must claim insurance. is this usual practice or can we debate further with them? the courtesy car collection form T&Cs also didn't explicitly mention customer can't fix at own workshop
- it's more than 24 hours since the incident, so if ABC does police report now (assume going ahead with insurance claim), he'll be fined 300 etc?
- when making the police report, does it matter how ABC make the story? Eg, if report hit and run and can't identify the other vehicle, or police concludes its ABC's fault, will insurance company end up deciding they won't pay for the damage and ABC must pay for it out of own pocket??

What would you do in this situation? Thanks in advance for any advice.

Today got into accident....
When want turn into simpang/lorong,
Got hit by moto on driver side.....
But moto say I no signal...
I also forgot....
Consider me wrong?

The moment you told the police you don't know

Then most likely you will kena summon

Hi all,

a vehicle lost control and slap onto my motorcycle, my friend had it all on gopro, i only suffer minor injuries like swollen legs with bruises inside, and my neck cant generate any strength(can only wake up from lying down by side ways). what anger me the most is the driver statement towards police is he mentioned that i hit him. and also my bike is not even 1 month old, its my transport to work daily. I been informed by workshop saying it COULD take up to 6 months or more.

The more i thought about this, the angrier i get, because of the driver's attitude and i can no longer ride on my new bike. May I know what's the advice sifus here can provide? Because after the accident, i spent some money on medical check up and also have to borrow a car from friend to go work. the amount of time i spend in jam & paying tolls is so much more

Try consult your insurance agent.
They should advise you on what to do and help you claim medical fees and loss of use of transport allowance from the other party insurance company.
Provided of course you are not at fault since you have video evidence.

And chill la, almost everyone will claim they are not at fault in an accident. Apa sarahan saya is very real and not just a meme.

Yeah, i was riding on the slow lane, my friend is at middle lane, both slow and middle lane were quite empty, and the feller driving a hilux sped up on fast lane at the corner, lost control and hit me at the slow lane... by insurance agent u meant for my motorcycle insurance or my life insurance?

1. How do I claim LOU from the third party?
2. What if you happened to be in an accident with government car and the car does not have any roadtax or insurance?

Ask the workshop for assistance

They have standard template

Some workshop even help you to submit but you sendiri need to negotiate and follow up

Hi all,

a vehicle lost control and slap onto my motorcycle, my friend had it all on gopro, i only suffer minor injuries like swollen legs with bruises inside, and my neck cant generate any strength(can only wake up from lying down by side ways). what anger me the most is the driver statement towards police is he mentioned that i hit him. and also my bike is not even 1 month old, its my transport to work daily. I been informed by workshop saying it COULD take up to 6 months or more.

The more i thought about this, the angrier i get, because of the driver's attitude and i can no longer ride on my new bike. May I know what's the advice sifus here can provide? Because after the accident, i spent some money on medical check up and also have to borrow a car from friend to go work. the amount of time i spend in jam & paying tolls is so much more

Workshop told me nothing can be done except losing your NCD if this happened. Even though it is not the 1st party fault.

I am guessing that you send to franchise workshop

Franchise workshops are those workshop owned by the manufacturer such as proton, Volvo, Toyota...

They usually not very helpful when it comes to this

Here is the sample

Note that you need to confirm police saman third party to able claim it

How to saman third party if the third party is the police itself using their concession vehicle that does not have any roadtax or insurance?